Texas · Rating Area 26 · Plan year 2026
Health insurance cost in Fort Bend County
Insurers filed 107 individual marketplace plans that are actually sold in Fort Bend County — from 7 companies. For a 40-year-old non-smoker, prices start at $430.06 a month, with a typical (median) plan at $653.79 — about $12 below the Texas median.
Source: CMS Exchange Public Use Files · imported 2026-07-28 · methodology
Premiums by age in Fort Bend County
| Age | Lowest / month | Median / month |
|---|---|---|
| 21 | $336.51 | $511.59 |
| 30 | $381.94 | $580.64 |
| 40 | $430.06 | $653.79 |
| 50 | $601.01 | $913.68 |
| 60 | $913.29 | $1388.42 |
One non-smoking adult, all metal levels combined. Federal rules cap the 64-year-old price at three times the 21-year-old price — see the full Texas age curve.
By metal level (age 40)
| Metal level | Plans | Lowest | Median |
|---|---|---|---|
| Catastrophic | 2 | $451.99 | $480.19 |
| Bronze | 2 | $465.24 | $539.60 |
| Expanded Bronze | 25 | $430.06 | $486.11 |
| Silver | 42 | $647.14 | $723.54 |
| Gold | 36 | $554.92 | $649.44 |
Higher metal = higher premium but lower costs when you use care. If your income qualifies for cost-sharing reductions, they apply only on Silver plans — a Silver plan can then beat Bronze on total cost.
Cheapest plans at age 40
| Insurer | Plan | Metal | Monthly |
|---|---|---|---|
| Blue Cross and Blue Shield of Texas | MyBlue Health Bronze℠ Standard | Expanded Bronze · HMO | $430.06 |
| Blue Cross and Blue Shield of Texas | MyBlue Health Bronze℠ 402 | Expanded Bronze · HMO | $446.62 |
| Oscar Insurance Company | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Expanded Bronze · EPO | $451.09 |
| WellPoint | Wellpoint Essential Catastrophic (+ Incentives) | Catastrophic · HMO | $451.99 |
| UnitedHealthcare | UHC Kelsey-Seybold Bronze Copay Focus $0 Indiv Med Ded | Expanded Bronze · HMO | $452.85 |
Lowest premium is not always lowest total cost — check deductibles and networks before choosing. Catastrophic plans have enrollment restrictions above age 30.
Who sells here
Oscar Insurance Company (23 plans) · Blue Cross and Blue Shield of Texas (22 plans) · WellPoint (21 plans) · Ambetter from Superior HealthPlan (18 plans) · UnitedHealthcare (15 plans) · Community Health Choice (8 plans)
No insurer covers all of Texas, so this line-up is specific to Fort Bend County. Compare nearby markets: Harris County · Dallas County · Tarrant County · Bexar County · Travis County · Collin County · Denton County · Hidalgo County · El Paso County · Montgomery County · Williamson County · Cameron County · Nueces County · Brazoria County · Bell County · Galveston County · Lubbock County · Webb County · Jefferson County · McLennan County · Smith County · Brazos County · Hays County · Ellis County — or the statewide view.